Drafts Returned Due to Insufficient Funds$35Above the typical range ($25–$31.38 nationally)
$5 above the national median
per item · Source
Insufficient Funds Return$35Above the typical range ($25–$31.38 nationally)
$5 above the national median
Source
Overdraft Advance Fee$35Above the typical range ($25–$32 nationally)
$5 above the national median
per item · Source

ATM & CardVerified

Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median
Source
New ATM/Debit Card Application Fee$0Below the typical range ($1–$2.50 nationally)
$1.75 below the national median
Source

Wire TransfersVerified

Domestic Wire Transfer (incoming)$10Within the typical range ($5–$15 nationally)
At the national median
Source
Domestic Wire Transfer (outgoing)$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

ACH Stop Payments$20Within the typical range ($20–$30 nationally)
$6 below the national median
per item · Source
Copies of Checks Deposited$5Within the typical range ($2–$5 nationally)
$2 above the national median
per item · Source
Stop Payment Request for Drafts Written or Reported Lost$20Within the typical range ($20–$30 nationally)
$6 below the national median
Source

Digital & ElectronicVerified

ACH Items for Immediate Return Due to Insufficient Funds$35Above the typical range ($18.75–$30 nationally)
$9 above the national median
per item · Source

Cash & DepositVerified

Cash Advance (in person) – Non HRCU Debit/Credit Card)$5Within the typical range ($3–$10 nationally)
At the national median
Source

Account ServicesVerified

Notary$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Source
One Lost Key$20Below the typical range ($27.50–$75 nationally)
$25 below the national median
Source
Processing of Legal Documents (IRS levy, garnishment, etc.)$50Within the typical range ($30–$75 nationally)
At the national median
Source

Lending FeesVerified

Late Fee (31 or more days late)$25Within the typical range ($13.13–$25 nationally)
$5 above the national median
Source

Retirement & IRAVerified

IRA Account Closing Fee$20Below the typical range ($25–$36.25 nationally)
$5 below the national median
Source
IRA Transfer (any type) to Another Financial Institution$30Within the typical range ($25–$36.25 nationally)
$5 above the national median
Source

Other FeesVerified

Duplicate Account Statement Copies$8Above the typical range ($2–$5 nationally)
$5 above the national median
per month · Source
Statement Copies for Each Interim Account Statement Printout$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed Within 30 Days of Opening	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	—	Source
Inactive or Dormant Account Fee (over 2 years)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Signature/Personal Line of Credit (inactive for 12 months)	$20Above the typical range ($5–$10 nationally)	$15 above the national median	per year	—	Source
Statement and Account Reconciliation/Research Fee	$35Above the typical range ($20–$25 nationally)	$10 above the national median	—	—	Source
Overdraft & NSFVerified
Drafts Returned Due to Insufficient Funds	$35Above the typical range ($25–$31.38 nationally)	$5 above the national median	per item	—	Source
Insufficient Funds Return	$35
ATM & CardVerified
Card Replacement Fee	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
New ATM/Debit Card Application Fee	$0
Wire TransfersVerified
Domestic Wire Transfer (incoming)	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Domestic Wire Transfer (outgoing)	$25
Check ServicesVerified
ACH Stop Payments	$20Within the typical range ($20–$30 nationally)	$6 below the national median	per item	—	Source
Copies of Checks Deposited	$5
Digital & ElectronicVerified
ACH Items for Immediate Return Due to Insufficient Funds	$35Above the typical range ($18.75–$30 nationally)	$9 above the national median	per item	—	Source
Cash & DepositVerified
Cash Advance (in person) – Non HRCU Debit/Credit Card)	$5Within the typical range ($3–$10 nationally)	At the national median	—	—	Source
Account ServicesVerified
Notary	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median	—	—	Source
One Lost Key	$20Below the typical range ($27.50–$75 nationally)
Lending FeesVerified
Late Fee (31 or more days late)	$25Within the typical range ($13.13–$25 nationally)	$5 above the national median	—	—	Source
Retirement & IRAVerified
IRA Account Closing Fee	$20Below the typical range ($25–$36.25 nationally)	$5 below the national median	—	—	Source
IRA Transfer (any type) to Another Financial Institution	$30
Other FeesVerified
Duplicate Account Statement Copies	$8Above the typical range ($2–$5 nationally)	$5 above the national median	per month	—	Source
Statement Copies for Each Interim Account Statement Printout	$5

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 24 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$258.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$258.8M

Total deposits

$234.7M

Service charge income (year to date)

$271K

Fee income ratio

4.3%

Return on assets

1.14%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

Unlock all 60 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 40,944 published fee entries from 2,666 institutions

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